Sr. Loan Officer

Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital ($5K - $2M) to the small and medium-sized businesses that fuel our country. Since 2008, we have prided ourselves on our collaborative, innovative, and customer-focused approach. Enjoying a period of unprecedented growth, driven by the combination of cutting-edge technology, human touch, and unwavering integrity, we are looking to add to our people first culture, with highly motivated and results-oriented professionals, to push the limits of what’s possible while creating value for all of our partners.
As a Sr. Loan Officer, you will be responsible for underwriting complex, customized commercial loan structures and managing client relationships through the entire loan lifecycle. Your expertise in credit assessment and loan structuring will be fundamental in navigating these bespoke transactions. Additionally, you will play a vital role in restructuring troubled loans and mentoring junior underwriters.

You will:

• Specialize in the underwriting of complex commercial loans, tailoring credit and loan structures to each client's unique needs.
• Manage and support clients throughout the loan lifecycle, ensuring a seamless and positive experience.
• Engage in the restructuring of troubled loans, applying your expertise to navigate challenging financial scenarios.
• Mentor and develop junior underwriters, fostering their growth in credit assessment and loan structuring.
• Ensure compliance with all regulatory standards and manage risks associated with complex lending.
• Maintain up-to-date knowledge of market trends, competitor activities, and regulatory changes to inform strategic lending practices.

You have:

• A Bachelor’s Degree in Business, Finance, Accounting, Economics, or a related field from a renowned university. An MBA or similar advanced degree is highly preferred.
• At least 8 years of experience in commercial lending, with a proven track record in managing complex, high-value transactions.
• Expertise in credit analysis, loan structuring, and the restructuring of troubled loans.
• Strong capability in mentoring and developing junior underwriting staff.
• Proficiency in Microsoft Office and CRM systems, like Salesforce.
• Excellent strategic planning, communication, and relationship-building skills.

We offer:

• Comprehensive medical, vision and dental benefits that give you peace of mind.
• Flexible Spending Accounts (FSA) that let you use pre-tax dollars to cover healthcare expenses.
• A fantastic 401K with matching contributions that helps you plan for retirement and build wealth over time.
• Generous sick, vacation, and holiday benefits that give you the time and flexibility you need to enjoy life.
• A gym membership contribution that supports your well-being, and helps you stay energized and focused.
• An internal referral program that rewards you for bringing talented people to the team.
• Company events that foster a positive and inclusive culture, and create opportunities to bond and grow with your colleagues.

To ensure a comprehensive integration into our team and company culture, there is a requirement to complete 60 days of onsite work before transitioning to a hybrid work arrangement. After this period, and contingent upon satisfactory performance, you will be eligible to discuss a hybrid work schedule in accordance with our company policies.
Mulligan Funding is an Equal Opportunity Employer (EOE) and takes great pride in building a diverse work environment. Qualified applicants are considered for employment without regard to age, race, religion, gender, national origin, sexual orientation, disability or veteran status.